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Rates and APYs accurate as of Ferbruary 2021. Rates and rewards are variable and may change after account is opened. Fees may reduce earnings.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

LTV = Loan To Value

All rates are subject to change without prior notice. These rates replace any rates posted before the date listed above. Only Ferguson FCU members are eligible for these rates. A minimum Savings deposit of $5 is required for membership. Rates may be found online or by calling (601) 806-FFCU.


Primary Accounts

Account

Minimum Balance

APY

Regular Savings

$1000

0.100041%

Youth Savings

$1

0.200187%

IRA

$500

0.651586%

IRA

$50,000

0.963461%

Youth Checking

$1

0.25028%*

Consumer Checking

$500

0.200187%

$mart Checking

$500

2.487926%*

Business Checking

$1,000

0.200187%

*$mart Checking limit for rate is $20,000.00. Balance over limit will earn standard published rate shown below.

Share & IRA Certificates (CDs) Learn More

Term

Minimum Balance

APY

6   Months

$1,000

0.30%

12 Months

$1,000

0.400730%

24 Months

$1,000

0.500139%

36 Months

$1,000

0.600651%

48 Months

$1,000

0.701244%

60 Months

$1,000

0.902718%

Penalty for early withdrawal.

High Yield Money Market Accounts Learn More

Tier

APY

$2,500 - $9,999

0.25%

$10,000 - $34,999

0.35%

$35,000 - $74,999

0.45%

$75,000+

0.75%

Auto Loans Learn More

Type

APR as low as1

Terms up to1

New Auto

1.99%

Terms up to 84 months

Used Auto (3-9 years old)

2.49%

Terms up to 84 months

Older Auto (10-24 years old)

4.59%

Terms up to 60 months

Classic Auto (25 years and older

2.99%

Terms up to 60months

1Actual rates and terms vary based on credit history, loan amount, and collateral.

APR is annual percentage rate.

Other Vehicle Loans Learn More

Type

APR as low as1

Terms up to1

New Boats (all current year models)

5.25%

Terms up to 144 months

Used Boats (previous year models and older)

6.25%

Terms up to 144 months

New RV's, Campers, and Travel Trailers

5.25%

Terms up to 144 months

Used RV's, Campers, and Travel Trailers

6.25%

Terms up to 144 months

New Motorcycles

3.99%

Terms up to 60 months

Used Motorcycles

4.99%

Terms up to 60 months

Older Motorcycles 6+ Years

8.99%

Terms up to 60 months

New ATV/Golf Cart

3.99%

Terms up to 60 months

Older ATV/Golf Cart

4.99%

Terms up to 60months

New Tractor

4.99%

Terms up to 60 months

Used Tractor

4.99%

Terms up to 60 months

1Actual rates and terms vary based on credit history, loan amount, and collateral.

APR is annual percentage rate.

Personal Loans

Type

APR as low as1

Signature Loans

8.99%1

Credit Cards

Rates as low as 9.95%2

1Actual rates and terms vary based on credit history, loan amount, and collateral.

2Actual rates and terms based on credit history and loan amount

Share Secured

Loan Type

Maximum Loan Amount

Term

APR1

Shared Secured

100% of available shares

Up to 120 months

2.00% above prior quarter Share dividend

Certificate Pledge

100% of original balance

Up to 120 months

2.00% above prior quarter Share Certificate rate

APR is annual percentage rate


Dividends are compounded and paid monthly on Checking, quarterly on all Savings types. Dividends are based on credit union earnings at the end of the dividend period and are not guaranteed.

Specific loan rates are based on credit history, collateral details, and borrower history as determined by credit application process. Final rate will be determined after the application is reviewed. All loans subject to credit approval. All rates subject to change without notice.

Federally insured by NCUA.

We do business in accordance with Federal Housing Laws and Equal Credit Opportunity Act. All loans subject to credit approval.

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